22M been investing for almost 4 years, Ive saved almost 12 grand up over the last few months and cant decide what to go in on. I have recently just been buying up the three ETFs whenever I can but now I don’t know whether to wait for a dip or just buy. I know time in the market beats timing in the market but everything just feels so inflated.
M22. I live at home and am finish my degree up online while working full time (60k) salary. I view my mutual fund (54k) as my safe account and want to take more risks in my Schwab, would it be stupid to sell all of my VOO & QQQ and split that money into 5-10 stocks that I think will be dominant in the future? Since my expense are low I invest as much as I can into both accounts but feel like I should be taking more risks at my age for some higher upsides stocks. Especially since I feel most of my money is already invested on the “safer” side.